PROFED

Charter #17012 | IN

500M-750M (169 CUs) Community (281 CUs)
5 500M-750M in IN

PROFED has 8 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 25.9% in tier
  • + Relationship Depth Leader: Top 29.4% in tier
  • + ROA 0.67% above tier average
  • + Net Interest Margin 0.20% above tier average
  • + Total Members: Top 4.1% in tier
  • + Total Assets: Top 7.1% in tier
  • + Total Deposits: Top 7.7% in tier
  • + Net Charge-Off Rate: Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 1.0% in tier
  • - Cost Spiral: Bottom 7.8% in tier
  • - Stagnation Risk: Bottom 19.8% in tier
  • - Indirect Auto Dependency: Bottom 27.0% in tier
  • - Membership Headwinds: Bottom 28.1% in tier
  • - Liquidity Overhang: Bottom 30.5% in tier
  • - Average Member Relationship (AMR): Bottom 6.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Members 64,025
-1.1% YoY-3.2% QoQ
 +24.3K 39,752
-2.7% YoY
 22,637
+3.1% YoY
 33,089
+6.1% YoY
 Top 4.7% in tier
Assets $736.0M
+3.1% YoY+0.9% QoQ
 +$113.6M $622.4M
+0.3% YoY
 $383.9M
+8.8% YoY
 $547.7M
+7.8% YoY
 Top 7.7% in tier
Loans $512.2M
+2.1% YoY+1.0% QoQ
 +$76.3M $435.9M
-0.4% YoY
 $276.9M
+7.4% YoY
 $388.7M
+8.6% YoY
 Top 24.3% in tier
Deposits $632.7M
+1.7% YoY+0.3% QoQ
 +$94.7M $538.0M
+1.3% YoY
 $323.0M
+10.5% YoY
 $464.6M
+9.3% YoY
 Top 8.3% in tier
ROA 1.3%
-31.4% YoY+8.2% QoQ
 +0.7% 0.7%
+33.9% YoY
 0.9%
+24.5% YoY
 0.7%
+273.4% YoY
 Top 10.7% in tier
NIM 3.6%
+5.2% YoY+2.4% QoQ
 +0.2% 3.4%
+8.6% YoY
 3.8%
+8.0% YoY
 3.7%
+5.0% YoY
 65th in tier
Efficiency Ratio 74.2%
+12.5% YoY-2.0% QoQ
 -3.9% 78.1%
-3.4% YoY
 77.7%
-3.5% YoY
 79.1%
-3.3% YoY
 30th in tier
Delinquency Rate 0.3%
-42.5% YoY+14.5% QoQ
 -0.5 0.8%
-4.9% YoY
 1.3%
+19.3% YoY
 1.2%
-0.9% YoY
 Bottom 15.4% in tier
Loan To Share 81.0%
+0.4% YoY+0.7% QoQ
 -0.1% 81.0%
-1.8% YoY
 69.6%
-2.1% YoY
 68.0%
-1.7% YoY
 44th in tier
AMR $17,882
+3.0% YoY+3.9% QoQ
 $-9K $26,482
+2.6% YoY
 $18,326
+4.3% YoY
 $19,418
+1.3% YoY
 Bottom 5.9% in tier
CD Concentration 21.3%
+4.2% YoY+0.2% QoQ
 -3.1% 24.4%
+4.2% YoY
 19.0%
+9.9% YoY
 19.6%
+6.2% YoY
 39th in tier
Indirect Auto % 18.0%
-9.7% YoY+0.7% QoQ
 +4.1% 14.0%
-5.8% YoY
 11.0%
-3.5% YoY
 7.9%
-2.9% YoY
 68th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#715 of 1006 • Top 25.9% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.99%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#811 of 1006 • Top 29.4% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.99%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.3K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (6)

Margin Compression

decline
#5 of 136 • Bottom 1.0% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.33%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.61% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $736.01M
(Tier: $622.38M, National: $547.69M)
but better than tier avg
136 of 281 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Cost Spiral

risk
#20 of 62 • Bottom 7.8% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 8.26% points
(Tier: -2.84% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $736.01M
(Tier: $622.38M, National: $547.69M)
but better than tier avg
62 of 281 Community CUs have this signature | 80 nationally
↓ Shrinking -38 CUs YoY | New qualifier

Stagnation Risk

risk
#326 of 550 • Bottom 19.8% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.33%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -1.07%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $17.9K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 21.26%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#434 of 525 • Bottom 27.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 3.10%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 18.04%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -1.07%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Membership Headwinds

decline
#463 of 550 • Bottom 28.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.07%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Liquidity Overhang

risk
#473 of 552 • Bottom 30.5% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.60%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 80.96%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 169 peers in tier

Top Strengths (8 metrics)

8
Total Members
engagement
Value: 64,025
Peer Avg: 39,752
#8 of 169 Top 4.1% in 500M-750M tier
13
Total Assets
balance_sheet
Value: $736.01M
Peer Avg: $622.38M
#13 of 169 Top 7.1% in 500M-750M tier
14
Total Deposits
balance_sheet
Value: $632.69M
Peer Avg: $538.02M
#14 of 169 Top 7.7% in 500M-750M tier
17
Net Charge-Off Rate
risk
Value: 0.08%
Peer Avg: 0.51%
#17 of 169 Top 9.5% in 500M-750M tier
18
Return on Assets (ROA)
profitability
Value: 1.33%
Peer Avg: 0.66%
#18 of 169 Top 10.1% in 500M-750M tier
27
Total Delinquency Rate (60+ days)
risk
Value: 0.30%
Peer Avg: 0.80%
#27 of 169 Top 15.4% in 500M-750M tier
38
Net Worth Ratio
risk
Value: 12.60%
Peer Avg: 10.94%
#38 of 169 Top 21.9% in 500M-750M tier
41
Total Loans
balance_sheet
Value: $512.20M
Peer Avg: $435.95M
#41 of 169 Top 23.7% in 500M-750M tier

Top Weaknesses (3 metrics)

159
Average Member Relationship (AMR)
engagement
Value: $17,882
Peer Avg: $26,482
#159 of 169 Bottom 6.5% in 500M-750M tier
148
First Mortgage Concentration (%)
balance_sheet
Value: 51.69%
Peer Avg: 33.53%
#148 of 169 Bottom 13.0% in 500M-750M tier
144
Loan-to-Member Ratio (LMR)
engagement
Value: $8,000
Peer Avg: $11,805
#144 of 169 Bottom 15.4% in 500M-750M tier